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You're additionally entitled to one free credit report dispute ( http://getmyfreecreditreport42.tumblr.com/post/143958478378/how-do-i-get-my-free-credit-report ) a 12 months should you're unemployed and plan to look for a job inside 60 days; in case you're on welfare; or in case your report is inaccurate because of fraud, together with identification theft.